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Ether.fi Cash Card vs Xplace Card: 2026 Comparison

Comparing Ether.fi Cash Card and Xplace Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Ether.fi Cash rates 4.9/5, ahead of Xplace at 4.6/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for Ether.fi Cash: self-custody, no issuance or annual fee, up to 3% cashback.

Ether.fi Cash:
Xplace:

Side by side

Side-by-side comparison of Ether.fi Cash Card, Xplace Card. Scroll horizontally to see all columns.
Feature

Ether.fi Cash Card 4.9 out of 5, Sweepbase rating

Get card Ether.fi Cash Card

Xplace Card 4.6 out of 5, Sweepbase rating

Get card Xplace Card
Overview
Card typeVirtual + PhysicalVirtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon
NetworkVisa SignatureVisa Credit
Custody Strength: Self-custody Strength: Self-custody
Costs
Issuance fee Strength: First virtual card free (Core 1, Luxe 4, Pinnacle 10, VIP 50), except that Core members in Argentina, Angola…
The fine print
  • … Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, Philippines, South Africa and Thailand pay $10 for the first virtual card under regional pricing
  • Additional virtual $10 (VIP none)
  • Physical: none free on Core, 1 metal free on Luxe, 2 on Pinnacle and VIP
  • An additional physical card costs $50 on Core and $100 on Luxe and Pinnacle
  • Delivery "within 15+ business days", Pinnacle 1 to 3 business days
  • Cancellation only within 24 hours
  • Card fees are deducted from the account balance
 Strength: Free
Annual fee Strength: Free; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with pointsBasic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr
FX fee0% on USD purchases
The fine print
  • Every other currency pays a 1% base foreign transaction fee plus a tier margin of up to 0.5% on Core and up to 0.25% on Luxe, per the international cardholder agreement last modified 8 Sep 2026, so a Core holder pays about 1-1.5% over the Visa rate
  • The help centre (3 Nov 2026) prints only the tier margin (Core 0.5%, Luxe 0.25%, none on Pinnacle and VIP) and leaves out the 1%
  • EUR at 0% rests on a help article of 24 Jun 2026 that calls the feature beta
  • The agreement has no EUR exception
  • FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion
1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr)
Rewards
Cashback Strength: Up to 3% (Tiers) Strength: Up to 2% (Tiers)
Yield on spendable balance Strength: YesNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: SEPA: Yes, EUR in and out via ether.fi's banking provider: receive as EURC €0.90, receive as USDC €0.90 plus 0.15%…
The fine print
  • … outgoing SEPA €0.90 plus any FX conversion, SEPA Instant deposits where the sending bank supports it
  • No universal ether.fi minimum and no tier-based transfer limits, provider limits shown before confirmation
  • IBAN: the SEPA article shows deposit details for an account "created for you with our third party provider" but does not call it a personal IBAN
  • SWIFT: Yes for non-US residents, "generate your personal virtual bank account" with an account number and SWIFT code, $20 plus 0.1% per transfer
  • US ACH $0.50 plus 0.1% and FedWire $20 plus 0.1% via virtual USD account details
  • UK Faster Payments: unique sort code and account number, deposits only, £0.90 plus 0.20%
  • Every inbound fiat transfer lands as a stablecoin
No
Daily spend limitSelf-set in-app
The fine print
  • Defaults: daily card limit $5,000, daily vault limit $10,000, monthly vault limit $10,000, all adjustable by the cardholder
  • Weekly caps by merchant category: $500 (crypto, gambling, cash-like), $1,000 (securities, dating), $3,000 (wallets, pharmacies, government)
Based on collateral and tier
ATM withdrawal limitUp to $5,000 per withdrawal, 5 withdrawal attempts and $25,000 per rolling 24 hours, the same on every tier and both…
The fine print
  • … card types
  • Declined attempts count toward the 5
  • Ether.fi fee: free up to 10 withdrawals a month on Core and Luxe, free and unlimited on Pinnacle and VIP
  • The fee from the 11th withdrawal on Core and Luxe is not published, and ATM operator fees are separate
  • The virtual card works at contactless ATMs through Apple Pay or Google Pay, the physical card at any Visa ATM, both with a PIN
  • Was $1,000 per withdrawal and 5 per 24 hours on 24 September 2026, and $500 and 3 withdrawals until August 2026
Not available (no cash advances or ATM withdrawals)
Top-up methodsUSDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD…
The fine print
  • … LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer)
BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing)
Regions91 countries and territories: 88 with virtual and physical cards, Belgium and Ireland with virtual cards only, and the…
The fine print
  • … United States
  • Most of Europe including Hungary, Norway, Liechtenstein and Monaco, except the Netherlands, Finland and Estonia
  • The UK, Guernsey, Jersey and the Isle of Man
  • The Americas and much of the Caribbean
  • UAE, Saudi Arabia, Bahrain, Oman, Hong Kong, Japan, South Korea, Taiwan, Singapore and selected Asia-Pacific
  • South Africa, Angola and Nigeria
  • United States: thirty states plus the District of Columbia
  • Not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington or Wisconsin
  • Not available in India, Israel, Turkey, Ukraine, Vietnam, China, Russia or any other jurisdiction the list omits
No published availability list - x.place documents geography only by exclusion
The fine print
  • Operator: Pontech Group L.L.C-FZ
  • Issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist
  • Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
  • Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page
  • The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card terms
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • Cashback: Up to 3% (Tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Premium Visa Signature tier
  • Virtual and physical
  • You hold the keys
  • Free issuance
  • Cashback: Up to 2% (Tiers)
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offsNothing flagged by these checksNothing flagged by these checks

Which scores higher

Nothing in the formula favours Xplace over Ether.fi Cash. What the formula cannot see is where you live and what you spend on: if Xplace is sold in your country and Ether.fi Cash is not, that settles it, and the Regions row above is where to check.

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Ether.fi Cash vs Xplace: FAQ

Ether.fi Cash Card scores higher on the Sweepbase formula, at 4.9/5. What moves the score: self-custody, no issuance or annual fee, up to 3% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Ether.fi Cash Card: issuance First virtual card free…, annual Free, FX 0% on USD purchases. Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… You can compare total annual cost using our fee calculator.

Ether.fi Cash Card: Up to 3% cashback. Xplace Card: Up to 2% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Ether.fi Cash Card: Self-custody. Xplace Card: Self-custody. Ether.fi Cash Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Ether.fi Cash Card supports Apple Pay and Google Pay. Xplace Card supports Apple Pay and Google Pay.

Ether.fi Cash Card: 91 countries. Xplace Card: no published availability list. Check each card's detail page for the full country list.

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